# LendingPoint LLC

LendingPoint LLC is an Asset Manager based in Kennesaw, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Kennesaw, United States
- **Region:** North America
- **Address:** Kennesaw, GA, United States
- **Assets under management:** Undisclosed
- **Website:** lendingpoint.com
- **LinkedIn:** https://www.linkedin.com/company/lendingpoint

## Regulatory record

- **Reports private funds:** No

## About

LendingPoint was founded to serve the near-prime consumer credit market, a segment often underserved by traditional banks. The firm uses machine learning and alternative data to assess creditworthiness beyond FICO scores, originating personal loans of $2,000 to $36,500 across most US states. The firm's strategy spans both direct lending and asset-backed securitizations, where it packages originated loans into notes sold to institutional investors. It has partnered with credit funds and banks to scale its origination volume, generating fee income alongside net interest margin on retained paper. Geographic focus is the continental United States; the firm does not publicly disclose named institutional co-investors or specific portfolio company holdings. LendingPoint is headquartered in Kennesaw, Georgia, with no additional offices on the public record. Team size and leadership names have not been widely disclosed, though the firm is known to have a CEO and technology leadership team. A recent development: in 2023, LendingPoint renewed its warehouse credit facility with a major US bank, signaling continued access to institutional capital (per industry press, 2023). The firm's structural differentiator lies in its proprietary underwriting engine, which the company says can approve borrowers in seconds by analyzing thousands of data points. That engine, combined with a direct-to-consumer digital platform, gives LendingPoint a vertically integrated model — originating, funding, and servicing loans without relying on third-party marketplace partners.

## Sectors

- Private Credit
- FinTech

## Questions

### How does LendingPoint source proprietary deal flow?

LendingPoint originates loans directly through its own digital lending platform, bypassing third-party marketplaces. Borrowers apply online, and the firm's proprietary underwriting engine evaluates creditworthiness using alternative data and machine learning in real time (per the firm's website).

### What investment stages does LendingPoint typically target?

LendingPoint targets the origination of personal consumer loans in the near-prime credit segment. Its products are unsecured installment loans aimed at individuals, not companies or staged venture deals. The firm does not invest in startup equity, growth capital, or distressed assets (per the firm's website).

### Which sectors does LendingPoint explicitly avoid?

LendingPoint focuses exclusively on consumer credit. It does not participate in commercial real estate, corporate lending, private equity, venture capital, or public market securities. The firm's strategy is single-sector consumer lending, with no disclosed exposure to other asset classes (per the firm's website).

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Last updated: 2026-06-03T20:00:00.000Z

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